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+<!DOCTYPE HTML PUBLIC "-//IETF//DTD HTML//EN">
+<HTML>
+	<HEAD>
+		<title>V: ECHOnline Decline and Error Responses</title>
+		<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
+		<style> <!-- a:hover{color:#0080FF}
+	--></style>
+	</HEAD>
+	<body bgcolor="#ffffff">
+		
+<table border="0" width="100%">
+    <tr>
+      <td rowspan=2 valign=center align=middle height="48" width="50">
+      
+	  
+				<a href="/"><img src="/images/ECHOBall3.jpg" border=0 alt="ECHO Merchant Center"></a>
+      
+	  </td>
+      
+      <td align="left" valign="bottom">
+		<b><font size=+1>Interface Specification</b></font>
+	  </td>
+	  
+      <td align="right" valign="bottom">
+		<font size="-1"><font face="Arial,Verdana,Helvetica"><b><i><font size=+2>ECHOnline </i></b></font></font>
+        
+        
+        <br><b>Document revision date 05/24/2004</b></font>
+     </td>
+   </tr>
+</table>
+ 
+<hr size="3" color="#000080">
+		<a href="/ISPGuide-Menu.asp">Return to the <font face="Verdana,Arial,Helvetica" size="-1">
+				<b><i>ECHO</b></I></font> <b>Internet Development Tools</b> home page.</a>
+		<h1>Part V: Decline and Error Responses</h1>
+		<p>
+			This document describes the content of an ECHOTYPE1 response containing a 
+			decline or error response received from the <font face="Verdana,Arial,Helvetica" size="-1">
+				<b><i>ECHO</i></b></font> host computers. For a general description of <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+						ECHO<font size="-2">NLINE</font></font></i></b> responses see <a href="ISPGuide-Interface.asp#Responses">
+				Response Protocol</a>
+		in Part I of this Specification.
+		<p>
+			Host responses differ depending on the transaction code and whether or not an 
+			error or decline was detected by the host. For a description of acknowledgement 
+			and approval responses see <a href="ISPGuide-Response.asp"><b>Part IV: <i><font face="Verdana,Arial,Helvetica" size="-1">
+							ECHO<font size="-2">NLINE</font></font></i> Host Responses</b></a>
+		.
+		<p>
+			Credit card transactions and electronic check transactions differ slightly in 
+			their format. For this reason they are treated separately in the sections 
+			below. In the examples, the "·" character is used to indicate a space 
+			character.
+			<h2>Credit Card Transactions</h2>
+		Decline and error responses are very similar in that they both represent 
+		situations that prevent a transaction from being authorized. Decline codes can 
+		actually represent a system error, and error codes can actually represent an 
+		account restriction. The difference between the two is more of a historical 
+		artifact than any distinction between an "error" and a "decline."
+		<p>
+			Decline responses are always preceded by the word "DECLINED," while error 
+			responses contain various text messages from <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+						ECHO</font></i></b>'s host computer or the issuer's computers. 
+			Decline and error responses are described below.
+			<h3>Message Formats</h3>
+		<p>
+		Decline responses are formatted as follows.
+		<p>
+			<center>
+				<table border="1" cellpadding="3" cellspacing="0" width="80%">
+					<tr bgcolor="#e0e0e0">
+						<td valign="top"><b>Field</b></td>
+						<td valign="top"><b>Size</b></td>
+						<td valign="top"><b>Description</b></td>
+					</tr>
+					<tr>
+						<td valign="top">tag</td>
+						<td valign="top">11</td>
+						<td valign="top">"&lt;ECHOTYPE1&gt;"</td>
+					</tr>
+					<tr>
+						<td valign="top">decline</td>
+						<td valign="top">9</td>
+						<td valign="top">"DECLINED "</td>
+					</tr>
+					<tr>
+						<td valign="top">decline code
+						</td>
+						<td valign="top">2</td>
+						<td valign="top">See Decline Codes table below</td>
+					</tr>
+					<tr>
+						<td valign="top">filler</td>
+						<td valign="top">1</td>
+						<td valign="top">" " (space)</td>
+					</tr>
+					<tr>
+						<td valign="top">amount</td>
+						<td valign="top">20</td>
+						<td valign="top">Declined transaction amount. <em><b>Note</b></em>: This field is 
+							right-justified with leading zeroes suppressed. Depending on the type of 
+							decline, there may or may not be a "$" character in the leftmost position of 
+							this field. Examples: "$bbbbbbbbbbbbbbb2.99" and "bbbbbbbbbbbbbbbb2.99"</td>
+					</tr>
+					<tr>
+						<td valign="top">tag</td>
+						<td valign="top">12</td>
+						<td valign="top">"&lt;/ECHOTYPE1&gt;"</td>
+					</tr>
+				</table>
+			</center>
+		<p>
+		Error responses are formatted as follows.
+		<p>
+			<center>
+				<table border="1" cellpadding="3" cellspacing="0" width="80%">
+					<tr bgcolor="#e0e0e0">
+						<td valign="top"><b>Field</b></td>
+						<td valign="top"><b>Size</b></td>
+						<td valign="top"><b>Description</b></td>
+					</tr>
+					<tr>
+						<td valign="top">tag</td>
+						<td valign="top">11</td>
+						<td valign="top">"&lt;ECHOTYPE1&gt;"</td>
+					</tr>
+					<tr>
+						<td valign="top">error text</td>
+						<td valign="top">20</td>
+						<td valign="top">error description</td>
+					</tr>
+					<tr>
+						<td valign="top">error code</td>
+						<td valign="top">4</td>
+						<td valign="top">See Error Codes table below</td>
+					</tr>
+					<tr>
+						<td valign="top">tag</td>
+						<td valign="top">12</td>
+						<td valign="top">"&lt;/ECHOTYPE1&gt;"</td>
+					</tr>
+				</table>
+			</center>
+			<h3>Decline Codes</h3>
+		<p>Decline codes are defined in the following table.</p>
+		<center>
+			<table border="1" cellpadding="3" cellspacing="0" width="80%">
+				<tr bgcolor="#e0e0e0">
+					<td valign="top"><b>Decline<br>
+							Code</b></td>
+					<td valign="top" width="259"><b>Short<br>
+							Description</b></td>
+					<td valign="top"><b><br>
+							Explanation</b></td>
+				</tr>
+				<tr>
+					<td valign="top">01</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Refer 
+								to card issuer</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								merchant must call the issuer before the transaction can be approved.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">02</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Refer 
+								to card issuer, special condition</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								merchant must call the issuer before the transaction can be approved.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">03</td>
+					<td valign="top" width="259">Invalid merchant number</td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								merchant ID is not valid.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">04</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Pick-up 
+								card. Capture for reward</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card is listed on the Warning Bulletin.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Merchant 
+								may receive reward money by capturing the card.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">05</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Do 
+								not honor. The transaction was declined by the issuer without definition or 
+								reason</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+									transaction was declined without explanation by the card issuer.</FONT></SPAN>
+						</SPAN></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">06</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Error</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card issuer returned an error without further explanation.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">07</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Pick-up 
+								card, special condition</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card is listed on the Warning Bulletin.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Merchant 
+								may receive reward money by capturing the card.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">08</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Honor 
+								with identification</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Honor 
+								with identification.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">09</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Request 
+								in progress</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Request 
+								in progress.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">10</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved 
+								for partial amount</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved 
+								for partial amount.</FONT></SPAN></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						11</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved, 
+								VIP</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved, 
+											VIP program.</FONT></SPAN>
+								</SPAN></FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">12</td>
+					<td valign="top" width="259">Invalid transaction</td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								requested transaction is not supported or is not valid for the card number 
+								presented.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">13</td>
+					<td valign="top" width="259">Invalid amount</td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								amount exceeds the limits established by the issuer for this type of 
+								transaction.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">14</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid 
+								card #</FONT></SPAN></td>
+					<td valign="top">The issuer indicates that this card is not valid.</td>
+				</tr>
+				<tr>
+					<td valign="top">15</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								such issuer</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card issuer number is not valid.</FONT></SPAN></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">16</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved, 
+								update track 3</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Approved, 
+								update track 3.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">17</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer 
+								cancellation</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer 
+								cancellation.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">18</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer 
+								dispute</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer 
+								dispute.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">19</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Re 
+								enter transaction</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Customer 
+								should resubmit transaction.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">20</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid 
+								response</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid 
+								response.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">21</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								action taken</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								action taken. The issuer declined with no other explanation.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">22</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Suspected 
+								malfunction</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Suspected 
+								malfunction.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">23</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Unacceptable 
+								transaction fee</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Unacceptable 
+								transaction fee.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">24</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File 
+								update not supported</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File 
+								update not supported.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">25</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Unable 
+								to locate record</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Unable 
+								to locate record.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">26</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Duplicate 
+								record</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Duplicate 
+								record.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">27</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File 
+								update edit error</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File 
+								update edit error.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">28</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File 
+								update file locked</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">File 
+								update file locked.</FONT></SPAN></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						29</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">30</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Format 
+								error, call ECHO</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								host reported that the transaction was not formatted properly.</FONT></SPAN></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">31</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Bank 
+								not supported</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Bank 
+								not supported by switch.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">32</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Completed 
+								partially</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Completed 
+								partially.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">33</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Expired 
+								card, pick-up</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card is expired.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Merchant may 
+								receive reward money by capturing the card.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">34</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Issuer 
+								suspects fraud, pick-up card</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card issuer suspects fraud.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Merchant 
+								may receive reward money by capturing the card.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">35</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact 
+								acquirer, pick-up</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact 
+								card issuer.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Merchant may receive 
+								reward money by capturing the card.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">36</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Restricted 
+								card, pick-up</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card is restricted by the issuer.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Merchant 
+								may receive reward money by capturing the card.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">37</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Call 
+								ECHO security, pick-up</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact 
+								ECHO security.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Merchant may 
+								receive reward money by capturing the card.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">38</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">PIN 
+								tries exceeded, pick-up</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">PIN 
+								attempts exceed issuer limits.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Merchant 
+								may receive reward money by capturing the card.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">39</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								credit account</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								credit account.</FONT></SPAN></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						40</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Function 
+								not supported</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Requested 
+								function not supported.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">41</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Lost 
+								Card, capture for reward</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card has been reported lost.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">42</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								universal account</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								universal account.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">43</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Stolen 
+								Card, capture for reward</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card has been reported stolen.</FONT></SPAN></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">44</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								investment account</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								investment account.</FONT></SPAN></TD>
+				</TR>
+				<tr>
+					<td valign="top">45 - 50</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">51</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Not 
+								sufficient funds</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								credit limit for this account has been exceeded.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">52 - 53</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">54</td>
+					<td valign="top" width="259">Expired card</td>
+					<td valign="top">The card is expired.</td>
+				</tr>
+				<tr>
+					<td valign="top">55</td>
+					<td valign="top" width="259">Incorrect PIN</td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								cardholder PIN is incorrect.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">56</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								card record</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">No 
+								card record.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">57</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Transaction 
+								not permitted to cardholder</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								card is not allowed the type of transaction requested.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">58</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Transaction 
+								not permitted on terminal</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								Merchant is not allowed this type of transaction.</FONT></SPAN></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">59</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Suspected 
+								fraud</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Suspected 
+								fraud.</FONT></SPAN></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						60</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact 
+								ECHO</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Contact 
+								ECHO.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">61</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Exceeds 
+								withdrawal limit</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								amount exceeds the allowed daily maximum.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">62</td>
+					<td valign="top" width="259">Restricted card</td>
+					<td valign="top">The card has been restricted.</td>
+				</tr>
+				<tr>
+					<td valign="top">63</td>
+					<td valign="top" width="259">Security violation.</td>
+					<td valign="top">The card has been restricted.</td>
+				</tr>
+				<tr>
+					<td valign="top">64</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Original 
+								amount incorrect</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Original 
+								amount incorrect.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">65</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Exceeds 
+								withdrawal frequency</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								allowable number of daily transactions has been exceeded.</FONT></SPAN></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">66</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Call 
+								acquirer security, call ECHO</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Call 
+								acquirer security, call ECHO.</FONT></SPAN></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						67</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<TR>
+					<TD vAlign="top">68</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Response 
+								received too late</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Response 
+								received too late.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">69 - 74</TD>
+					<TD vAlign="top" width="259">not used</TD>
+					<TD vAlign="top">&nbsp;</TD>
+				</TR>
+				<tr>
+					<td valign="top">75</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">PIN 
+								tries exceeded</FONT></SPAN></td>
+					<td valign="top">The allowed number of PIN retries has been exceeded.</td>
+				</tr>
+				<tr>
+					<td valign="top">76</td>
+					<td valign="top" width="259">Invalid "to" account</td>
+					<td valign="top">The debit account does not exist.</td>
+				</tr>
+				<tr>
+					<td valign="top">77</td>
+					<td valign="top" width="259">Invalid "from" account</td>
+					<td valign="top">The credit account does not exist.</td>
+				</tr>
+				<tr>
+					<td valign="top">78</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid 
+								account specified (general)</FONT></SPAN></td>
+					<td valign="top">
+						The associated card number account is invalid or does not exist.</td>
+				</tr>
+				<TR>
+					<TD vAlign="top">79</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Already 
+								reversed</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Already 
+								reversed.</FONT></SPAN></TD>
+				</TR>
+				<tr>
+					<td valign="top">80&nbsp;- 83</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">84</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Invalid 
+								authorization life cycle</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">The 
+								authorization life cycle is invalid.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">85&nbsp;</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<TR>
+					<TD vAlign="top">86</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Cannot 
+								verify PIN</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Cannot 
+								verify PIN.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">87</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Network 
+								Unavailable</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Network 
+								Unavailable.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">88</TD>
+					<TD vAlign="top" width="259">not used</TD>
+					<TD vAlign="top">&nbsp;</TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">89</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Ineligible 
+								to receive financial position information</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Ineligible 
+								to receive financial position information.</FONT></SPAN></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">90</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Cut-off 
+								in progress</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Cut-off 
+								in progress.</FONT></SPAN></TD>
+				</TR>
+				<tr>
+					<td valign="top">91</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Issuer 
+								or switch inoperative</FONT></SPAN></td>
+					<td valign="top">The bank is not available to authorize this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">92</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Routing 
+								error</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT size="3"><FONT face="Times New Roman">The 
+									transaction cannot be routed to the authorizing agency.</FONT></FONT>
+						</SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">93</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Violation 
+								of law</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Violation 
+								of law.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">94</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Duplicate 
+								transaction</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Duplicate 
+								transaction.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">95</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Reconcile 
+								error</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Reconcile 
+								error.</FONT></SPAN></td>
+				</tr>
+				<tr>
+					<td valign="top">96</td>
+					<td valign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">System 
+								malfunction</FONT></SPAN></td>
+					<td valign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">A 
+								system error has occurred.</FONT></SPAN></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">97</TD>
+					<TD vAlign="top" width="259">not used</TD>
+					<TD vAlign="top">&nbsp;</TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">98</TD>
+					<TD vAlign="top" width="259"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Exceeds 
+								cash limit</FONT></SPAN></TD>
+					<TD vAlign="top"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT face="Times New Roman" size="3">Exceeds 
+								cash limit.</FONT></SPAN></TD>
+				</TR>
+			</table>
+		</center>
+		<p>
+			Error codes are defined in the following table.</p>
+		<center>
+			<table border="1" cellpadding="3" cellspacing="0" width="80%">
+				<tr bgcolor="#e0e0e0">
+					<td valign="top"><b>Error<br>
+							Code</b></td>
+					<td valign="top"><b>Short<br>
+							Description</b></td>
+					<td valign="top"><b><br>
+							Explanation</b></td>
+				</tr>
+				<tr>
+					<td valign="top">1000</td>
+					<td valign="top">Unrecoverable error.</td>
+					<td valign="top">An unrecoverable error has occurred in the <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+									ECHO<font size="-2">NLINE</font></font></i></b> processing.</td>
+				</tr>
+				<tr>
+					<td valign="top">1001</td>
+					<td valign="top">Account closed</td>
+					<td valign="top">The merchant account has been closed.</td>
+				</tr>
+				<tr>
+					<td valign="top">1002</td>
+					<td valign="top">System closed</td>
+					<td valign="top">
+						Services for this system are not available.<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1003</td>
+					<td valign="top">E-Mail Down</td>
+					<td valign="top">The e-mail function is not available.<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1004-1011</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1012</td>
+					<td valign="top">Invalid trans code</td>
+					<td valign="top">The host computer received an invalid transaction code.</td>
+				</tr>
+				<tr>
+					<td valign="top">1013</td>
+					<td valign="top">Invalid term id</td>
+					<td valign="top">The ECHO-ID is invalid.</td>
+				</tr>
+				<tr>
+					<td valign="top">1014</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1015</td>
+					<td valign="top">Invalid card number</td>
+					<td valign="top">The credit card number that was sent to the host computer was 
+						invalid</td>
+				</tr>
+				<tr>
+					<td valign="top">1016</td>
+					<td valign="top">Invalid expiry date</td>
+					<td valign="top">The card has expired or the expiration date was invalid.</td>
+				</tr>
+				<tr>
+					<td valign="top">1017</td>
+					<td valign="top">Invalid amount</td>
+					<td valign="top">The dollar amount was less than 1.00 or greater than the maximum 
+						allowed for this card.</td>
+				</tr>
+				<tr>
+					<td valign="top">1018</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1019</td>
+					<td valign="top">Invalid state</td>
+					<td valign="top">The state code was invalid.<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1020</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1021</td>
+					<td valign="top">Invalid service</td>
+					<td valign="top">The merchant or card holder is not allowed to perform that kind of 
+						transaction</td>
+				</tr>
+				<tr>
+					<td valign="top">1022-1023</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1024</td>
+					<td valign="top">Invalid auth code</td>
+					<td valign="top">The authorization number presented with this transaction is 
+						incorrect. (deposit transactions only)</td>
+				</tr>
+				<tr>
+					<td valign="top">1025</td>
+					<td valign="top">Invalid reference number</td>
+					<td valign="top">The reference number presented with this transaction is incorrect 
+						or is not numeric.</td>
+				</tr>
+				<tr>
+					<td valign="top">1026-1028</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1029</td>
+					<td valign="top">Invalid contract number</td>
+					<td valign="top">The contract number presented with this transaction is incorrect 
+						or is not numeric.<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1030</td>
+					<td valign="top">Invalid inventory data</td>
+					<td valign="top">The inventory data presented with this transaction is not ASCII 
+						"printable".<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1031-1500</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td colspan="3">
+						<i>Error Codes 1501 through 1599 are generated by <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+										ECHO<font size="-2">NLINE</font></font></i></b> after validating 
+							the merchant but before presenting the transaction to the host computers for 
+							processing.</i>
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1501-1507</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1508</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">Invalid or missing order_type.</td>
+				</tr>
+				<tr>
+					<td valign="top">1509</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">The merchant is not approved to submit this order_type.</td>
+				</tr>
+				<tr>
+					<td valign="top">1510</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">The merchant is not approved to submit this transaction_type.</td>
+				</tr>
+				<tr>
+					<td valign="top">1511</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">
+						Duplicate transaction attempt (see <a href="ISPGuide-Interface.asp#counter">counter</a>
+						in Part I of this Specification</EM>).
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1512-1598</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1599</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">An system error occurred while validating the transaction input.</td>
+				</tr>
+				<tr>
+					<td valign="top">1600-1800</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td colspan="3">
+						<i>Error Codes 1801 through 1814 are generated by <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+										ECHO<font size="-2">NLINE</font></font></i></b> to indicate 
+							responses to <a href="ISPGuide-Response.asp#AVSOnly">AVS-Only transactions</a> when 
+							the response is anything but "X" or "Y" (all digits match).</i>
+					</td>
+				</tr>
+				<tr>
+					<td>1801</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "A"</a></td>
+					<td>Address matches; ZIP does not match.</td>
+				</tr>
+				<tr>
+					<td>1802</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "W"</a></td>
+					<td>9-digit ZIP matches; Address does not match.</td>
+				</tr>
+				<tr>
+					<td>1803</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "Z"</a></td>
+					<td>5-digit ZIP matches; Address does not match.</td>
+				</tr>
+				<tr>
+					<td>1804</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Codes "U"</a></td>
+					<td>Issuer unavailable; cannot verify.</td>
+				</tr>
+				<tr>
+					<td>1805</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "R"</a></td>
+					<td>Retry; system is currently unable to process.</td>
+				</tr>
+				<tr>
+					<td>1806</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "S" or "G"</a></td>
+					<td>Issuer does not support AVS.</td>
+				</tr>
+				<tr>
+					<td>1807</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "N"</a></td>
+					<td>Nothing matches.</td>
+				</tr>
+				<tr>
+					<td>1808</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "E"</a></td>
+					<td>Invalid AVS only response.</td>
+				</tr>
+				<tr>
+					<td>1809</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "B"</a></td>
+					<td>Street address match. Postal code not verified because of incompatible formats.</td>
+				</tr>
+				<tr>
+					<td>1810</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "C"</a></td>
+					<td>Street address and Postal code not verified because of incompatible formats.</td>
+				</tr>
+				<tr>
+					<td>1811</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "D"</a></td>
+					<td>Street address match and Postal code match.</td>
+				</tr>
+				<tr>
+					<td>1812</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "I"</a></td>
+					<td>Address information not verified for international transaction.</td>
+				</tr>
+				<tr>
+					<td>1813</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "M"</a></td>
+					<td>Street address match and Postal code match.</td>
+				</tr>
+				<tr>
+					<td>1814</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "P"</a></td>
+					<td>Postal code match. Street address not verified because of incompatible formats.</td>
+				</tr>
+				<tr>
+					<td>1815-1896</td>
+					<td>not used</td>
+					<td>&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1897</td>
+					<td valign="top">invalid response</td>
+					<td valign="top">The host returned an invalid response.</td>
+				</tr>
+				<tr>
+					<td valign="top">1898</td>
+					<td valign="top">disconnect</td>
+					<td valign="top">The host unexpectedly disconnected.</td>
+				</tr>
+				<tr>
+					<td valign="top">1899</td>
+					<td valign="top">timeout</td>
+					<td valign="top">Timeout waiting for host response.</td>
+				</tr>
+				<tr>
+					<td valign="top">1900-2070</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">2071</td>
+					<td valign="top">Call VISA</td>
+					<td valign="top">An authorization number from the VISA Voice Center is required to 
+						approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2072</td>
+					<td valign="top">Call Master Card</td>
+					<td valign="top">An authorization number from the Master Card Voice Center is 
+						required to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2073</td>
+					<td valign="top">Call Carte Blanche</td>
+					<td valign="top">An authorization number from the Carte Blanche Voice Center is 
+						required to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2074</td>
+					<td valign="top">Call Diners Club</td>
+					<td valign="top">An authorization number from the Diners' Club Voice Center is 
+						required to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2075</td>
+					<td valign="top">Call AMEX</td>
+					<td valign="top">An authorization number from the American Express Voice Center is 
+						required to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2076</td>
+					<td valign="top">Call Discover</td>
+					<td valign="top">An authorization number from the Discover Voice Center is required 
+						to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2077</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">2078</td>
+					<td valign="top">Call ECHO</td>
+					<td valign="top">The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>
+						Customer Support for approval.or because there is a problem with the merchant's 
+						account.</td>
+				</tr>
+				<tr>
+					<td>2079</td>
+					<td>Call XpresscheX</td>
+					<td>The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>
+						Customer Support for approval.or because there is a problem with the merchant's 
+						account.</td>
+				</tr>
+				<tr>
+					<td colspan="3">
+						<i>The remaining error codes are generated by the <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+										ECHO</font></i></b> host computers in response to errors in the 
+							dial-up protocol. These messages should never appear in <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+										ECHO<font size="-2">NLINE</font></font></i></b>. They are listed 
+							below for completeness. </i>
+					</td>
+				</tr>
+				<tr>
+					<td>3001</td>
+					<td>No ACK on Resp</td>
+					<td>The host did not receive an ACK from the terminal after sending the transaction 
+						response.</td>
+				</tr>
+				<tr>
+					<td>3002</td>
+					<td>POS NAK'd 3 Times</td>
+					<td>The host disconnected after the terminal replied 3 times to the host response 
+						with a NAK.</td>
+				</tr>
+				<tr>
+					<td>3003</td>
+					<td>Drop on Wait</td>
+					<td>The line dropped before the host could send a response to the terminal.</td>
+				</tr>
+				<tr>
+					<td>3005</td>
+					<td>Drop on Resp</td>
+					<td>The line dropped while the host was sending the response to the terminal.</td>
+				</tr>
+				<tr>
+					<td>3007</td>
+					<td>Drop Before EOT</td>
+					<td>The host received an ACK from the terminal but the line dropped before the host 
+						could send the EOT.</td>
+				</tr>
+				<tr>
+					<td>3011</td>
+					<td>No Resp to ENQ</td>
+					<td>The line was up and carrier detected, but the terminal did not respond to the 
+						ENQ.</td>
+				</tr>
+				<tr>
+					<td>3012</td>
+					<td>Drop on Input</td>
+					<td>The line disconnected while the host was receiving data from the terminal.</td>
+				</tr>
+				<tr>
+					<td>3013</td>
+					<td>FEP NAK'd 3 Times</td>
+					<td>The host disconnected after receiving 3 transmissions with incorrect LRC from 
+						the terminal.</td>
+				</tr>
+				<tr>
+					<td>3014</td>
+					<td>No Resp to ENQ</td>
+					<td>The line disconnected during input data wait in Multi-Trans Mode.</td>
+				</tr>
+				<tr>
+					<td>3015</td>
+					<td>Drop on Input</td>
+					<td>The host encountered a full queue and discarded the input data.</td>
+				</tr>
+				<tr>
+					<td>9000-9999</td>
+					<td>Host Error</td>
+					<td>The host encountered an internal error and was not able to process the 
+						transaction.</td>
+				</tr>
+			</table>
+		</center>
+		<h2>Electronic Check Transactions</h2>
+		<FONT face="Verdana,Arial,Helvetica" size="-1"><B><I>ECHO</I></B></FONT> verifies 
+		all electronic checks against the National Check Information Systems (NCIS) 
+		database. This is a real-time check verification system that can return a wide 
+		variety of responses and conditions. <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>
+		does nor recognize a warning response, only approvals and declines. Therefore, 
+		warnings received from NCIS are treated as declines by <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+					ECHO<font size="-2">NLINE</font></font></i></b>.
+		<p>
+		Decline responses are formatted as shown below. Each message is 16 characters 
+		long and contains information regarding the reasons for the decline or warning 
+		and the name and contact number for the agency providing the information 
+		leading to the decline.
+		<p>
+			The NCN Response Format.pdf document located in the <A href="/XCXPlusTrans.zip"><I><FONT face="Verdana,Arial,Helvetica" size="-1">
+						X<FONT size="-2">PRESS</FONT>C<FONT size="-2">HE</FONT>X<FONT size="-2">PLUS</FONT></FONT></I>
+				Transaction Validation Tool</A>
+		contains all Check Verification Responses.
+		<p>
+			<center>
+				<table border="1" cellpadding="3" cellspacing="0" width="80%">
+					<tr bgcolor="#e0e0e0">
+						<td valign="top"><b>Field</b></td>
+						<td valign="top"><b>Size</b></td>
+						<td valign="top"><b>Description</b></td>
+					</tr>
+					<tr>
+						<td valign="top">tag</td>
+						<td valign="top">11</td>
+						<td valign="top">"&lt;ECHOTYPE1&gt;"</td>
+					</tr>
+					<tr>
+						<td valign="top">message</td>
+						<td valign="top">16</td>
+						<td valign="top">
+							Decline message (see examples below).
+						</td>
+					</tr>
+					<tr>
+						<td valign="top">message</td>
+						<td valign="top">16</td>
+						<td valign="top">
+							from 0 to <i>n</i> instances of additional decline and warning messages.
+						</td>
+					</tr>
+					<tr>
+						<td valign="top">tag</td>
+						<td valign="top">12</td>
+						<td valign="top">"&lt;/ECHOTYPE1&gt;"</td>
+					</tr>
+				</table>
+			</center>
+		<p>
+			<b>Examples:</b><br>
+			The first example shows a decline response containing 7 separate 
+			messages.&lt;p&gt;&lt;code&gt;&lt;!--&lt;ECHOTYPE1&gt;DECLINE·CHECK···50·UNPAIDS·(ALL)UNPAID·AMT=·3778PHN·800-555-4503···CHKACHEK·····PHN·800-555-2954····XPCK!·······&lt;/ECHOTYPE1&gt;--&gt;&lt;br&gt;&lt;!--&lt;ECHOTYPE1&gt;WARNING·········DAYLOC/NCHCKS=14DAYLOC/AMT=45···WINLOC/AMT=12···&lt;/ECHOTYPE1&gt; 
+			--&gt;<BR>
+			&lt;!-- &lt;ECHOTYPE1&gt;ERROR IN ID·····&lt;/ECHOTYPE1&gt; --&gt;<BR>
+			&lt;!-- 
+			&lt;ECHOTYPE1&gt;DECLINE·CHECK····2·UNPAIDS·(LOC)UNPAID·AMT=··376BANK·STOP·······PHN 
+			800-555-4503SUPER·COLLECT···&lt;/ECHOTYPE1&gt; --&gt;<BR>
+		&lt;!-- &lt;ECHOTYPE1&gt;RE-PRESENTED CHK&lt;/ECHOTYPE1&gt; --&gt; </CODE>
+		<p>
+			<b>Note:</b><br>
+		All Electronic Check Declines return a Decline Code of "0005" in the ECHOTYPE3 
+		&lt;decline_code&gt; tag (i.e., &lt;decline_code&gt;0005&lt;/decline_code&gt; 
+		). To determine the exact reason for the decline, the ECHOTYPE1 response must 
+		be examined.
+		<p>
+			<hr size="3" color="#000080">
+		
+<SCRIPT LANGUAGE=JAVASCRIPT>
+/* Opens a new Window linking to the supplied url */
+function popUp(url){
+sealWin=window.open(url,"win",'toolbar=0,location=0,directories=0,status=1,menubar=0,scrollbars=1,resizable=1,width=500,height=520');
+self.name = "mainWin"; }
+</SCRIPT>
+
+<center>
+<font size="-2" face="Verdana,Arial,Helvetica">
+
+<a href="/">Merchant Center</a>&nbsp;
+<a href="http://www.echo-inc.com/">ECHO Home</a>&nbsp;
+<a href="mailto:webmaster@echo-inc.com">Feedback</a>&nbsp;
+<a href="http://www.echo-inc.com/helpdesk.html">Contact ECHO</a>&nbsp;
+<a href="javascript:popUp('/copyright.asp')">Copyright</a>&nbsp;
+
+
+   <a href="/login.asp">Login</a>
+
+
+</font>
+</center>
+
+</body>
+</html>
+</body>
+</HTML>
diff --git a/generror/errortable.html b/generror/errortable.html
new file mode 100644
index 0000000..b225355
--- /dev/null
+++ b/generror/errortable.html
@@ -0,0 +1,961 @@
+				<tr>
+					<td valign="top">01</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Refer 
+								to card issuer</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								merchant must call the issuer before the transaction can be approved.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">02</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Refer 
+								to card issuer, special condition</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								merchant must call the issuer before the transaction can be approved.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">03</td>
+					<td valign="top" width="259">Invalid merchant number</td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								merchant ID is not valid.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">04</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Pick-up 
+								card. Capture for reward</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								card is listed on the Warning Bulletin.&nbsp; Merchant 
+								may receive reward money by capturing the card.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">05</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Do 
+								not honor. The transaction was declined by the issuer without definition or 
+								reason</FONT></td>
+					<td valign="top">The 
+									transaction was declined without explanation by the card issuer.</FONT>
+						</td>
+				</tr>
+				<TR>
+					<TD vAlign="top">06</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Error</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
+								card issuer returned an error without further explanation.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">07</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Pick-up 
+								card, special condition</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
+								card is listed on the Warning Bulletin.&nbsp; Merchant 
+								may receive reward money by capturing the card.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">08</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Honor 
+								with identification</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Honor 
+								with identification.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">09</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Request 
+								in progress</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Request 
+								in progress.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">10</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Approved 
+								for partial amount</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Approved 
+								for partial amount.</FONT></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						11</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Approved, 
+								VIP</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3"><FONT face="Times New Roman" size="3">Approved, 
+											VIP program.</FONT>
+								</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">12</td>
+					<td valign="top" width="259">Invalid transaction</td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								requested transaction is not supported or is not valid for the card number 
+								presented.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">13</td>
+					<td valign="top" width="259">Invalid amount</td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								amount exceeds the limits established by the issuer for this type of 
+								transaction.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">14</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Invalid 
+								card #</FONT></td>
+					<td valign="top">The issuer indicates that this card is not valid.</td>
+				</tr>
+				<tr>
+					<td valign="top">15</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">No 
+								such issuer</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								card issuer number is not valid.</FONT></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">16</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Approved, 
+								update track 3</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Approved, 
+								update track 3.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">17</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Customer 
+								cancellation</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Customer 
+								cancellation.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">18</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Customer 
+								dispute</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Customer 
+								dispute.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">19</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Re 
+								enter transaction</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Customer 
+								should resubmit transaction.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">20</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Invalid 
+								response</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Invalid 
+								response.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">21</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">No 
+								action taken</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">No 
+								action taken. The issuer declined with no other explanation.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">22</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Suspected 
+								malfunction</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Suspected 
+								malfunction.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">23</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Unacceptable 
+								transaction fee</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Unacceptable 
+								transaction fee.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">24</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">File 
+								update not supported</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">File 
+								update not supported.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">25</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Unable 
+								to locate record</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Unable 
+								to locate record.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">26</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Duplicate 
+								record</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Duplicate 
+								record.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">27</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">File 
+								update edit error</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">File 
+								update edit error.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">28</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">File 
+								update file locked</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">File 
+								update file locked.</FONT></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						29</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">30</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Format 
+								error, call ECHO</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								host reported that the transaction was not formatted properly.</FONT></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">31</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Bank 
+								not supported</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Bank 
+								not supported by switch.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">32</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Completed 
+								partially</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Completed 
+								partially.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">33</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Expired 
+								card, pick-up</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
+								card is expired.&nbsp; Merchant may 
+								receive reward money by capturing the card.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">34</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Issuer 
+								suspects fraud, pick-up card</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
+								card issuer suspects fraud.&nbsp; Merchant 
+								may receive reward money by capturing the card.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">35</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Contact 
+								acquirer, pick-up</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Contact 
+								card issuer.&nbsp; Merchant may receive 
+								reward money by capturing the card.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">36</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Restricted 
+								card, pick-up</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">The 
+								card is restricted by the issuer.&nbsp; Merchant 
+								may receive reward money by capturing the card.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">37</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Call 
+								ECHO security, pick-up</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Contact 
+								ECHO security.&nbsp; Merchant may 
+								receive reward money by capturing the card.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">38</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">PIN 
+								tries exceeded, pick-up</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">PIN 
+								attempts exceed issuer limits.&nbsp; Merchant 
+								may receive reward money by capturing the card.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">39</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">No 
+								credit account</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">No 
+								credit account.</FONT></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						40</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Function 
+								not supported</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">Requested 
+								function not supported.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">41</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Lost 
+								Card, capture for reward</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								card has been reported lost.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">42</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">No 
+								universal account</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">No 
+								universal account.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">43</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Stolen 
+								Card, capture for reward</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								card has been reported stolen.</FONT></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">44</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">No 
+								investment account</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">No 
+								investment account.</FONT></TD>
+				</TR>
+				<tr>
+					<td valign="top">45 - 50</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">51</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Not 
+								sufficient funds</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								credit limit for this account has been exceeded.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">52 - 53</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">54</td>
+					<td valign="top" width="259">Expired card</td>
+					<td valign="top">The card is expired.</td>
+				</tr>
+				<tr>
+					<td valign="top">55</td>
+					<td valign="top" width="259">Incorrect PIN</td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								cardholder PIN is incorrect.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">56</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">No 
+								card record</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">No 
+								card record.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">57</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Transaction 
+								not permitted to cardholder</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								card is not allowed the type of transaction requested.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">58</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Transaction 
+								not permitted on terminal</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								Merchant is not allowed this type of transaction.</FONT></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">59</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Suspected 
+								fraud</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Suspected 
+								fraud.</FONT></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						60</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Contact 
+								ECHO</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">Contact 
+								ECHO.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">61</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Exceeds 
+								withdrawal limit</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								amount exceeds the allowed daily maximum.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">62</td>
+					<td valign="top" width="259">Restricted card</td>
+					<td valign="top">The card has been restricted.</td>
+				</tr>
+				<tr>
+					<td valign="top">63</td>
+					<td valign="top" width="259">Security violation.</td>
+					<td valign="top">The card has been restricted.</td>
+				</tr>
+				<tr>
+					<td valign="top">64</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Original 
+								amount incorrect</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">Original 
+								amount incorrect.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">65</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Exceeds 
+								withdrawal frequency</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								allowable number of daily transactions has been exceeded.</FONT></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">66</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Call 
+								acquirer security, call ECHO</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Call 
+								acquirer security, call ECHO.</FONT></TD>
+				</TR>
+				<tr>
+					<td valign="top">
+						67</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<TR>
+					<TD vAlign="top">68</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Response 
+								received too late</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Response 
+								received too late.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">69 - 74</TD>
+					<TD vAlign="top" width="259">not used</TD>
+					<TD vAlign="top">&nbsp;</TD>
+				</TR>
+				<tr>
+					<td valign="top">75</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">PIN 
+								tries exceeded</FONT></td>
+					<td valign="top">The allowed number of PIN retries has been exceeded.</td>
+				</tr>
+				<tr>
+					<td valign="top">76</td>
+					<td valign="top" width="259">Invalid "to" account</td>
+					<td valign="top">The debit account does not exist.</td>
+				</tr>
+				<tr>
+					<td valign="top">77</td>
+					<td valign="top" width="259">Invalid "from" account</td>
+					<td valign="top">The credit account does not exist.</td>
+				</tr>
+				<tr>
+					<td valign="top">78</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Invalid 
+								account specified (general)</FONT></td>
+					<td valign="top">
+						The associated card number account is invalid or does not exist.</td>
+				</tr>
+				<TR>
+					<TD vAlign="top">79</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Already 
+								reversed</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Already 
+								reversed.</FONT></TD>
+				</TR>
+				<tr>
+					<td valign="top">80&nbsp;- 83</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">84</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Invalid 
+								authorization life cycle</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">The 
+								authorization life cycle is invalid.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">85&nbsp;</td>
+					<td valign="top" width="259">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<TR>
+					<TD vAlign="top">86</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Cannot 
+								verify PIN</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Cannot 
+								verify PIN.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">87</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Network 
+								Unavailable</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Network 
+								Unavailable.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">88</TD>
+					<TD vAlign="top" width="259">not used</TD>
+					<TD vAlign="top">&nbsp;</TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">89</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Ineligible 
+								to receive financial position information</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Ineligible 
+								to receive financial position information.</FONT></TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">90</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Cut-off 
+								in progress</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Cut-off 
+								in progress.</FONT></TD>
+				</TR>
+				<tr>
+					<td valign="top">91</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Issuer 
+								or switch inoperative</FONT></td>
+					<td valign="top">The bank is not available to authorize this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">92</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Routing 
+								error</FONT></td>
+					<td valign="top"><FONT size="3"><FONT face="Times New Roman">The 
+									transaction cannot be routed to the authorizing agency.</FONT></FONT>
+						</td>
+				</tr>
+				<tr>
+					<td valign="top">93</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Violation 
+								of law</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">Violation 
+								of law.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">94</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Duplicate 
+								transaction</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">Duplicate 
+								transaction.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">95</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">Reconcile 
+								error</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">Reconcile 
+								error.</FONT></td>
+				</tr>
+				<tr>
+					<td valign="top">96</td>
+					<td valign="top" width="259"><FONT face="Times New Roman" size="3">System 
+								malfunction</FONT></td>
+					<td valign="top"><FONT face="Times New Roman" size="3">A 
+								system error has occurred.</FONT></td>
+				</tr>
+				<TR>
+					<TD vAlign="top">97</TD>
+					<TD vAlign="top" width="259">not used</TD>
+					<TD vAlign="top">&nbsp;</TD>
+				</TR>
+				<TR>
+					<TD vAlign="top">98</TD>
+					<TD vAlign="top" width="259"><FONT face="Times New Roman" size="3">Exceeds 
+								cash limit</FONT></TD>
+					<TD vAlign="top"><FONT face="Times New Roman" size="3">Exceeds 
+								cash limit.</FONT></TD>
+				</TR>
+
+
+
+				<tr>
+					<td valign="top">1000</td>
+					<td valign="top">Unrecoverable error.</td>
+					<td valign="top">An unrecoverable error has occurred in the <b><i><font face="Verdana,Arial,Helvetica" size="-1">
+									ECHO<font size="-2">NLINE</font></font></i></b> processing.</td>
+				</tr>
+				<tr>
+					<td valign="top">1001</td>
+					<td valign="top">Account closed</td>
+					<td valign="top">The merchant account has been closed.</td>
+				</tr>
+				<tr>
+					<td valign="top">1002</td>
+					<td valign="top">System closed</td>
+					<td valign="top">
+						Services for this system are not available.<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1003</td>
+					<td valign="top">E-Mail Down</td>
+					<td valign="top">The e-mail function is not available.<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1004-1011</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1012</td>
+					<td valign="top">Invalid trans code</td>
+					<td valign="top">The host computer received an invalid transaction code.</td>
+				</tr>
+				<tr>
+					<td valign="top">1013</td>
+					<td valign="top">Invalid term id</td>
+					<td valign="top">The ECHO-ID is invalid.</td>
+				</tr>
+				<tr>
+					<td valign="top">1014</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1015</td>
+					<td valign="top">Invalid card number</td>
+					<td valign="top">The credit card number that was sent to the host computer was 
+						invalid</td>
+				</tr>
+				<tr>
+					<td valign="top">1016</td>
+					<td valign="top">Invalid expiry date</td>
+					<td valign="top">The card has expired or the expiration date was invalid.</td>
+				</tr>
+				<tr>
+					<td valign="top">1017</td>
+					<td valign="top">Invalid amount</td>
+					<td valign="top">The dollar amount was less than 1.00 or greater than the maximum 
+						allowed for this card.</td>
+				</tr>
+				<tr>
+					<td valign="top">1018</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1019</td>
+					<td valign="top">Invalid state</td>
+					<td valign="top">The state code was invalid.<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1020</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1021</td>
+					<td valign="top">Invalid service</td>
+					<td valign="top">The merchant or card holder is not allowed to perform that kind of 
+						transaction</td>
+				</tr>
+				<tr>
+					<td valign="top">1022-1023</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1024</td>
+					<td valign="top">Invalid auth code</td>
+					<td valign="top">The authorization number presented with this transaction is 
+						incorrect. (deposit transactions only)</td>
+				</tr>
+				<tr>
+					<td valign="top">1025</td>
+					<td valign="top">Invalid reference number</td>
+					<td valign="top">The reference number presented with this transaction is incorrect 
+						or is not numeric.</td>
+				</tr>
+				<tr>
+					<td valign="top">1026-1028</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1029</td>
+					<td valign="top">Invalid contract number</td>
+					<td valign="top">The contract number presented with this transaction is incorrect 
+						or is not numeric.<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1030</td>
+					<td valign="top">Invalid inventory data</td>
+					<td valign="top">The inventory data presented with this transaction is not ASCII 
+						"printable".<br>
+						(Not used by <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO<font size="-2">NLINE</font></font></i></b>)
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1031-1500</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+
+
+				<tr>
+					<td valign="top">1501-1507</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1508</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">Invalid or missing order_type.</td>
+				</tr>
+				<tr>
+					<td valign="top">1509</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">The merchant is not approved to submit this order_type.</td>
+				</tr>
+				<tr>
+					<td valign="top">1510</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">The merchant is not approved to submit this transaction_type.</td>
+				</tr>
+				<tr>
+					<td valign="top">1511</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">
+						Duplicate transaction attempt (see <a href="ISPGuide-Interface.asp#counter">counter</a>
+						in Part I of this Specification</EM>).
+					</td>
+				</tr>
+				<tr>
+					<td valign="top">1512-1598</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1599</td>
+					<td valign="top">&nbsp;</td>
+					<td valign="top">An system error occurred while validating the transaction input.</td>
+				</tr>
+				<tr>
+					<td valign="top">1600-1800</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+
+				<tr>
+					<td>1801</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "A"</a></td>
+					<td>Address matches; ZIP does not match.</td>
+				</tr>
+				<tr>
+					<td>1802</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "W"</a></td>
+					<td>9-digit ZIP matches; Address does not match.</td>
+				</tr>
+				<tr>
+					<td>1803</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "Z"</a></td>
+					<td>5-digit ZIP matches; Address does not match.</td>
+				</tr>
+				<tr>
+					<td>1804</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Codes "U"</a></td>
+					<td>Issuer unavailable; cannot verify.</td>
+				</tr>
+				<tr>
+					<td>1805</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "R"</a></td>
+					<td>Retry; system is currently unable to process.</td>
+				</tr>
+				<tr>
+					<td>1806</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "S" or "G"</a></td>
+					<td>Issuer does not support AVS.</td>
+				</tr>
+				<tr>
+					<td>1807</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "N"</a></td>
+					<td>Nothing matches.</td>
+				</tr>
+				<tr>
+					<td>1808</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "E"</a></td>
+					<td>Invalid AVS only response.</td>
+				</tr>
+				<tr>
+					<td>1809</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "B"</a></td>
+					<td>Street address match. Postal code not verified because of incompatible formats.</td>
+				</tr>
+				<tr>
+					<td>1810</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "C"</a></td>
+					<td>Street address and Postal code not verified because of incompatible formats.</td>
+				</tr>
+				<tr>
+					<td>1811</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "D"</a></td>
+					<td>Street address match and Postal code match.</td>
+				</tr>
+				<tr>
+					<td>1812</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "I"</a></td>
+					<td>Address information not verified for international transaction.</td>
+				</tr>
+				<tr>
+					<td>1813</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "M"</a></td>
+					<td>Street address match and Postal code match.</td>
+				</tr>
+				<tr>
+					<td>1814</td>
+					<td><a href="ISPGuide-Response.asp#AVSOnly">Return Code "P"</a></td>
+					<td>Postal code match. Street address not verified because of incompatible formats.</td>
+				</tr>
+				<tr>
+					<td>1815-1896</td>
+					<td>not used</td>
+					<td>&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">1897</td>
+					<td valign="top">invalid response</td>
+					<td valign="top">The host returned an invalid response.</td>
+				</tr>
+				<tr>
+					<td valign="top">1898</td>
+					<td valign="top">disconnect</td>
+					<td valign="top">The host unexpectedly disconnected.</td>
+				</tr>
+				<tr>
+					<td valign="top">1899</td>
+					<td valign="top">timeout</td>
+					<td valign="top">Timeout waiting for host response.</td>
+				</tr>
+				<tr>
+					<td valign="top">1900-2070</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">2071</td>
+					<td valign="top">Call VISA</td>
+					<td valign="top">An authorization number from the VISA Voice Center is required to 
+						approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2072</td>
+					<td valign="top">Call Master Card</td>
+					<td valign="top">An authorization number from the Master Card Voice Center is 
+						required to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2073</td>
+					<td valign="top">Call Carte Blanche</td>
+					<td valign="top">An authorization number from the Carte Blanche Voice Center is 
+						required to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2074</td>
+					<td valign="top">Call Diners Club</td>
+					<td valign="top">An authorization number from the Diners' Club Voice Center is 
+						required to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2075</td>
+					<td valign="top">Call AMEX</td>
+					<td valign="top">An authorization number from the American Express Voice Center is 
+						required to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2076</td>
+					<td valign="top">Call Discover</td>
+					<td valign="top">An authorization number from the Discover Voice Center is required 
+						to approve this transaction.</td>
+				</tr>
+				<tr>
+					<td valign="top">2077</td>
+					<td valign="top">not used</td>
+					<td valign="top">&nbsp;</td>
+				</tr>
+				<tr>
+					<td valign="top">2078</td>
+					<td valign="top">Call ECHO</td>
+					<td valign="top">The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>
+						Customer Support for approval.or because there is a problem with the merchant's 
+						account.</td>
+				</tr>
+				<tr>
+					<td>2079</td>
+					<td>Call XpresscheX</td>
+					<td>The merchant must call <b><i><font face="Verdana,Arial,Helvetica" size="-1">ECHO</font></i></b>
+						Customer Support for approval.or because there is a problem with the merchant's 
+						account.</td>
+				</tr>
+
+				<tr>
+					<td>3001</td>
+					<td>No ACK on Resp</td>
+					<td>The host did not receive an ACK from the terminal after sending the transaction 
+						response.</td>
+				</tr>
+				<tr>
+					<td>3002</td>
+					<td>POS NAK'd 3 Times</td>
+					<td>The host disconnected after the terminal replied 3 times to the host response 
+						with a NAK.</td>
+				</tr>
+				<tr>
+					<td>3003</td>
+					<td>Drop on Wait</td>
+					<td>The line dropped before the host could send a response to the terminal.</td>
+				</tr>
+				<tr>
+					<td>3005</td>
+					<td>Drop on Resp</td>
+					<td>The line dropped while the host was sending the response to the terminal.</td>
+				</tr>
+				<tr>
+					<td>3007</td>
+					<td>Drop Before EOT</td>
+					<td>The host received an ACK from the terminal but the line dropped before the host 
+						could send the EOT.</td>
+				</tr>
+				<tr>
+					<td>3011</td>
+					<td>No Resp to ENQ</td>
+					<td>The line was up and carrier detected, but the terminal did not respond to the 
+						ENQ.</td>
+				</tr>
+				<tr>
+					<td>3012</td>
+					<td>Drop on Input</td>
+					<td>The line disconnected while the host was receiving data from the terminal.</td>
+				</tr>
+				<tr>
+					<td>3013</td>
+					<td>FEP NAK'd 3 Times</td>
+					<td>The host disconnected after receiving 3 transmissions with incorrect LRC from 
+						the terminal.</td>
+				</tr>
+				<tr>
+					<td>3014</td>
+					<td>No Resp to ENQ</td>
+					<td>The line disconnected during input data wait in Multi-Trans Mode.</td>
+				</tr>
+				<tr>
+					<td>3015</td>
+					<td>Drop on Input</td>
+					<td>The host encountered a full queue and discarded the input data.</td>
+				</tr>
+				<tr>
+					<td>9000-9999</td>
+					<td>Host Error</td>
+					<td>The host encountered an internal error and was not able to process the 
+						transaction.</td>
+				</tr>
diff --git a/generror/errortable2hash.pl b/generror/errortable2hash.pl
new file mode 100755
index 0000000..2046f86
--- /dev/null
+++ b/generror/errortable2hash.pl
@@ -0,0 +1,88 @@
+#!/usr/bin/perl -w
+
+use strict;
+
+my($code, $short, $explanation);
+my $mode = 'code';
+
+my $DEBUG = 0;
+
+while (<>) {
+
+  if ( /^\s*<tr>\s*$/i ) {
+    ($code, $short, $explanation) = ('', '', '');
+  } elsif ( /^\s*<td[^>]*>(\d+)(\s|&nbsp;)*<\/td>\s*$/i ) {
+    $code = $1;
+    warn "found code $code" if $DEBUG;
+    $mode = 'short';
+  } elsif ( /^\s*<td[^>]*>(\d+(\s|&nbsp;)*\-\s*\d+)<\/td>\s*$/i ){
+    warn "skipping range $1" if $DEBUG;
+    until ( ($_=<>) =~ /^\s*<\/tr>\s*$/i ) {
+      #nop
+    }
+    next;
+  } elsif ( /^\s*<td[^>]*>(.*)<\/td>\s*$/i ) {
+    warn "found one line data" if $DEBUG;
+    if ( $mode eq 'short' ) {
+      $short = $1;
+      $short =~ s/<\/?FONT[^>]*>//gi;
+      $short =~ s/&nbsp;/ /g;
+      $short =~ s/<\/?a[^>]*>//gi;
+      $mode = 'explanation';
+    } elsif ( $mode eq 'explanation' ) {
+      $explanation = $1;
+      $explanation =~ s/<\/?FONT[^>]*>//gi;
+      $explanation =~ s/&nbsp;/ /g;
+      $mode = 'code';
+    } else {
+      die "found (one-line) data, but in unknown mode $mode";
+    }
+  } elsif ( /^\s*<td[^>]*>(.*)$/i ) {
+    warn "found multi-line data (mode $mode)" if $DEBUG;
+    chop(my $data = $1);
+    #$data =~ s/<\/?FONT[^>]*>//g;
+    until ( ($_=<>) =~ /^\s*(.*)<\/td>/i ) {
+      /^\s*(.*)\s*$/ or die;
+      chop($data .= $1);
+      warn "found intermediate data $1" if $DEBUG;
+    }
+    $_ =~ /^\s*(.*)<\/td>/i;
+    $data .= $1;
+    $data =~ s/<\/?FONT[^>]*>//gi;
+    $data =~ s/&nbsp;/ /g;
+    $data =~ s/<\/?[BI]>//gi;
+    $data =~ s/<\/?BR>/ /gi;
+    $data =~ s/<\/?a[^>]*>//gi;
+    warn "last line $1 ($_)" if $DEBUG;
+    warn "coalesced multi-line data: $data" if $DEBUG;
+    if ( $mode eq 'short' ) {
+      $short = $data;
+      $mode = 'explanation';
+    } elsif ( $mode eq 'explanation' ) {
+      $explanation = $data;
+      $mode = 'code';
+    } elsif ( $mode eq 'code' && $data =~ /^(\d+)$/ ) {
+      $code = $1;
+      warn "found code $code" if $DEBUG;
+      $mode = 'short';
+    } else {
+      die "found (multi-line) data, but in unknown mode $mode or don't know what to do with it: $data";
+    }
+  
+  } elsif ( /^\s*<\/tr>\s*$/i ) {
+    #$short =~ s/<\/?FONT[^>]*>//g;
+    #$explanation =~ s/<\/?FONT[^>]*>//g;
+    #$short =~ s/[\n\r]//;
+    #$explanation =~ s/[\n\r]//;
+
+    $short =~ s/"/\\"/gi;
+    $explanation =~ s/"/\\"/gi;
+    
+    warn "end of row, printing hash element (code $code)" if $DEBUG;
+    print qq!  "$code" => \[ "$short", "$explanation" \],\n!
+      unless $short  =~ /^\s*not\s*used\s*/i;
+    $mode = 'code';
+  }
+
+}
+